What is the most suitable for commercial endowment insurance?

How to buy commercial endowment insurance? Generally speaking, commercial endowment insurance can be divided into three types: traditional endowment insurance, dividend endowment insurance and universal endowment insurance. Different people are suitable for different types of insurance.

Other insurance questions can be consulted by telephone.

Pre-sales product consultation: 400-880-3633?

1, traditional endowment insurance?

The predetermined interest rate of this kind of insurance is fixed, usually 2.0%-2.4%. ? Commercial endowment insurance product information

Selling point: low risk and relatively fixed return; Disadvantages: the impact on inflation is hard to resist. ?

Suitable for people: investment and financial management are conservative, and people who need old-age security are suitable for choice. ?

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2. Dividend-sharing pension insurance?

Dividend-sharing pension insurance generally has a predetermined interest rate, but it is not as good as traditional pension insurance, 1.5%-2.0%, but it is good to have dividends. ?

Selling point: there is an agreed return, which can make pensions relatively preserve or even increase in value; Disadvantages: Dividends are not fixed. ?

Suitable for the crowd: people who want to make a profit and are unwilling to take any risks are suitable for choice. ?

3. universal old-age insurance?

The risk is relatively large, and the expenses deducted in the first five years of insurance are relatively large. It usually takes more than five years of medium and long-term holding to show the benefits, and it is hard to say how much the benefits can be. ?

Selling point: there is a guaranteed interest rate, the income is not capped, and the insured amount and payment period can be flexibly changed with the actual situation of the insured; Disadvantages: The policy value needs to be deducted.